Deposit Operations & Fraud Investigator

OZONA BANK; San Antonio (TX); On-site; USD 42,000 - 64,000; Full time

Job summary

Ozona Bank is seeking a Deposit Operations Specialist to assist with deposit accounts, digital banking, ACH, and wires, with a strong emphasis on researching fraud activity. You will handle inquiries, process operations, and document investigations to support loss mitigation and account protection.

The role involves reviewing transactions, preparing investigative summaries, and escalating high-risk cases to the appropriate officers while maintaining auditable records.

Qualifications

• High school diploma or equivalent.
• 3+ years banking/financial ops, fraud research, or customer service preferred.
• Experience with deposit accounts, ACH, wires, online/mobile banking preferred.
• Strong verbal and written communication, analytical skills.

Responsibilities

• Provide professional, courteous support to customers and staff in person, by phone, and online.
• Explain deposit products, terms, and digital banking services clearly and accurately.
• Research issues, recommend solutions, and escalate when needed.
• Support Online Banking, Bill Pay, Mobile Banking, and related inquiries.
• Process non-post, NSF, returned items, ACH, wires, and other operations per procedures.
• Investigate fraud related to ACH, checks, debit cards, wires, and online banking.
• Prepare concise investigative summaries with facts, timelines, and next steps.
• Maintain organized case files from referral to closure or escalation.

Skills

Banking operations

Fraud research

Customer service

Communication

Education

High school diploma

Tools

Microsoft Word

Excel

Outlook

Document management systems

Job description

Ozona Bank is seeking a Deposit Operations Specialist to assist with deposit accounts, digital banking, ACH, and wires, with a strong emphasis on researching fraud activity. You will handle inquiries, process operations, and document investigations to support loss mitigation and account protection.

The role involves reviewing transactions, preparing investigative summaries, and escalating high-risk cases to the appropriate officers while maintaining auditable records.